UAE business credit cards help manage company expenses, earn rewards on business spending, and separate personal and business finances. Here is a comparison of the best UAE business credit cards in 2025.
UAE Business Credit Card Comparison
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| Emirates NBD Business Visa Signature | AED 750 | Skywards miles on spend | Travel-heavy businesses |
| ADCB Business Platinum Visa | AED 500 | Cashback on fuel, telecom, utilities | High utility spend |
| FAB Business Gold Mastercard | AED 350 | Touchpoints on all spend | General business spend |
| Mashreq Business Visa | AED 300 | Mashpoints rewards | SMEs, easy approval |
| RAK Bank Business Visa | AED 0–250 | Cashback | Cost-conscious SMEs |
Business Credit Card vs. Corporate Card
Business credit card: issued in the company’s name, with the company director as the primary cardholder, liability shared between company and director (in many UAE banks, personal guarantee is required). Corporate card (charge card): liability sits entirely with the company, no personal guarantee, available once the company has 3+ years of credit history and AED 2M+ revenue. Corporate cards are typically Visa Corporate or Mastercard Corporate, issued by large banks (Emirates NBD, FAB) for established businesses with multiple employee cards needed.
How to Apply for a UAE Business Credit Card
Requirements: valid UAE trade licence, 12+ months of business bank statements, business account with the issuing bank (most banks require you to be an existing business account customer), company’s latest audited accounts, and director’s personal passport and Emirates ID.